Say Nyet to a Mortgage Czar

Some Democrats are calling for a “mortgage czar” because of the situation caused by people borrowing money they couldn’t pay back. The substance of this idea obviously bugs me because it is not the government’s responsibility to protect people from their own bad decisions, but the procedure is also troubling.

The whole notion of a “czar”, whether it be a drug czar, a trade czar or a mortgage czar is a Congressional and Presidential abdication of responsibility. Congress is charged with making laws under the Constitution and it is for the Executive branch to implement those laws through the Department heads. Adding layers of bureaucracy to the federal government will not solve the problem at issue, especially when the government shouldn’t be involved in the first place.